Digital Homebook 882 E Parkview Dr.

882EParkviewDr. Gilbert,AZ85295

ONLINE RESOURCES:

• If you receive an email requesting personal/financial information or asking you to download, click on a link, send, and/or do anything that may seem unusual to you, call your escrow officer immediately prior to acting on the suspicious email to verify the validity of the email.

The National White Collar Crime Center @ http://www.nw3c.org/research On Guard Online @ www.onguardonline.gov

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The Internet Crime Complaint Center @ www.ic3.gov

Criminals are targeting social media and email to steal information. This is particularly common in real estate transactions because sensitive data, including social security numbers, bank account numbers, and wire instructions are often sent by electronic means. We do not want you to be the next victim of wire fraud. Money wired to a fraudulent account is stolen money that typically cannot be recovered. Additionally, there is generally no insurance for this loss. You may never get the money back.

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• It is imperative that this call be made to a number obtained in person from the individual or through other reliable means, not from a number provided in the email or the wiring instructions

Before you wire funds to any party (including your lawyer, title agent, mortgage broker, or real estate agent) personally meet them or call a verified telephone number (not the telephone number in the email) to confirm before you act!

• Never direct, accept or allow anyone in the transaction to consent to receiving transfer instructions without a direct personal telephone call to the individual allegedly providing the instructions.

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• If you receive an email containing wire transfer instructions, immediately call your escrow officer to ensure the validity of the instructions.

The Federal Bureau of Investigation @ https://www.fbi.gov/scams and safety

There are many online sources that can provide useful information regarding similar topics including, but not limited to, the following sites:

WIRE FRAUD ADVISORY

The undersigned acknowledges receipt of this Wire Fraud Advisory.

Immediately notify your banking institution and Settlement/Title Company if you are a victim of wire fraud.

LIMITATION OF LIABILITY FOR INFORMATIONAL REPORTS

This report is not an insured product or service or a representation of the condition of title to real property. It is not an abst ract, legal opinion, opinion of title, title insurance commitment or preliminary report, or any form of Title Insurance or Guaranty. This report is issued exclusively for the benefit of the Applicant therefor and may not be used or relied upon by any other person. This report may not be reproduced in any manner without First American or Title Security's prior written consent. First American or Title Security does not represent or warrant that the information herein is complete or free from error, and the information herein is provided without any warranties of any kind, as-is, and with all faults. As a material part of the consideration given in exchange for the issuance of this report, recipient agrees that First American or Title Security's sole liability for any loss or damage caused by an error or omission due to inaccurate information or negligence in preparing this report shall be limited to the fee charged for the report. Recipient accepts this report with this limitation and agrees that First American or Title Security would not have issued this report but for the limitation of liability described above. First American or Title Security makes no representation or warranty as to the legality or propriety of recipient's use of the information herein.

IMPORTANT -- PLEASE READ CAREFULLY:

First

Data Provided By: American Title Ins Co

Subject Property 882 E Parkview Dr APN:AZGilbert85295304-80-941

First

This REiSource report is provided "as is" without warranty of any kind, either express or implied, including without limitations any warrantees of merchantability or fitness for a particular purpose. There is no representation of warranty that this information is complete or free from error, and the provider does not assume, and expressly disclaims, any liability to any person or entity for loss or damage caused by errors or omissions in this REiSource report without a title insurance policy.

The information contained in the REiSource report is delivered from your Title Company, who reminds you that you have the right as a consumer to compare fees and serviced levels for Title, Escrow, and all other services associated with property ownership, and to select providers accordingly. Your home is the largest investment you will make in your lifetime and you should demand the very best.

Data Provided By: American Title Ins Co

Disclaimer

Heat Type : Heated

Sale Price : $509,101 1st Mtg Document # : 629108

Subject Property : 882 E Parkview Dr Gilbert AZ 85295

Recording/Sale Date : 07/10/2013 / 07/05/2013 1st Mtg Amount/Type : $407,280 / Cnv

Gross Area : 4,271

Last Market Sale Information

Patio Type : Covered Patio

Roof Material : Concrete Tile Pool : Pool

Year Built / Eff : 2013

Property Information

Seller Name : Meritage Homes Of Arizona Inc

APN : 304-80-941

Document # : 629107 1st Mtg Term : 30

Subdivision : Estates At Velvendo Ph 1

Title Company : Carefree Title Agcy Inc

Township-Range- Sect : 01S-06E-32

Living Area : 4,271

Census Tract / Block : 8154.02 / 3

County : Maricopa, Az

# of Stories : 2

Bath Fixtures : 15

Legal Lot : 165 Neighbor Code : 01-038

Legal Description : Lot 165 Estates At Velvendo Phase 1 Mcr 1127-13

Munic/Township : Gilbert

State Use : Single Fam Resurban Subd ( 4 ) Zoning : SF-7

Deed Type : Special Warranty Deed Price Per SqFt : $119.20

Lender : Imortgage.com Inc

Cooling Type : Heated

Parking Type : Garage

Owner Name : Mou Jenny / Mou Zhi

Mailing Address : 882 E Parkview Dr, Gilbert AZ 85295-6261 R126

Capacity :Garage 4

Air Cond : Refrigeration

Lot Size : 8,750

Customer Name : Chantel Cortez

Customer Company Name : FIRST AMERICAN TITLE Prepared On : 09/19/2022 CoreLogic.

Location Information

Owner OccupiedIndicator : O

Exterior wall : Frame/stucco Pool Size : 352

Land Use : Sfr Lot Acres : 0.20

Property Characteristics

School District : Gilbert 41

Owner Information

ImprovementValue : $418,200

Chantel Cortez

Current AssessedYear : 2023

Total TaxableValue : $46,141

Tax Year : 2021

Land Value : $104,500

Current YearValue :Land $14,750

Market Value : $522,700

Improve % : 80%

Current ImprovementYearValue : $59,020

Current YearValue :Total $73,770

Tax Information

Total Value : $522,700

Assessed Year : 2021

Customer Name :

Customer Company Name : On : 09/19/2022

Tax Rate Area : 410600

FIRST AMERICAN TITLE Prepared

Property Tax : $4,395.72

Sales Analysis

9 1001 E Benrich Dr 747,500 431,500 08/04/2022 4 3,739 12,859 2004 0.5 SF-8

4

13 346 E Dennisport Ct 1,499,000 619,100 11/05/2021 5 4,238 24,928 2001 0.7 SF-15

14 2129 S Sailors Way 769,000 430,500 10/05/2021 3,974 10,213 2000 0.73 SF-10

Distance From Subject 0 0.03 0.96 0.58

5

Price Per Square Foot $119.20 $165 $468 $242.17

Lot Size 8,750 8,750 24,928 13,834

Total Assessed Value $522,700 $416,800 $805,800 $521,484

5 4 7 5

10 949 E Benrich Dr 950,000 490,300 07/08/2022 4,588 13,264 2005 0.51 SF-8

Customer Company Name : FIRST AMERICAN TITLE Prepared On : 09/19/2022

1 881 E Parkview Dr 815,000 483,200 10/29/2021 5 3,915 8,750 2014 0.03 SF-7

5 2830 S Riata Ct 1,010,000 539,500 04/07/2022 5 4,525 14,720 2004 0.41 SF-10

Criteria Property Low

12 489 E Benrich Dr 885,000 513,800 08/09/2022 5 4,011 10,079 2003 0.69 SF-10

5

BathroomsBedrooms

High Average

S 882 E Parkview Dr 509,101 522,700 07/10/2013 5 4,271 8,750 2013 SF-7

Sale Price $509,101 $675,000 $2,200,000 $1,019,048

Stories 2 1 2 2

6 538 E Parkview Dr 1,125,000 530,300 05/11/2022

Year Built 2013 2000 2014 2003

of Comparables # Address Sale Price TotalValueAssessed Sale Date Bed Bath Living Area Lot Size YearBuilt (Miles)Dist Zoning

3 899 E Clifton Ave 1,450,000 805,800 03/10/2022 7 4,464 20,000 2013 0.29 SF-15

11 369 E CreekCanyonDr 2,200,000 627,000 04/15/2022 5 4,702 19,280 2001 0.65 SF-10

Summary

2 739 E Bridle Way 1,250,000 666,300 06/24/2022 6 4,745 18,750 2002 0.22 SF-15

Bldg/Living Area 4271 3659 4745 4162

7 607 E Elgin St 933,000 557,800 12/03/2021 5 4,462 12,468 2004 0.46 SF-10

4 760 E Elgin St 945,000 513,600 03/04/2022 5 4,372 14,092 2004 0.31 SF-10

Customer Name : Chantel Cortez

5 3,999 11,665 2000 0.43 SF-10

8 3029 S Colonial St 799,000 416,800 03/03/2022 3,739 9,619 2004 0.46 SF-8

Subject

18 2956 S Birch Ct 760,912 461,300 01/05/2022 3,659 14,902 2002 0.93 SF-10

19 2885 S Palm St 795,000 422,000 06/28/2022 3,659 10,099 2002 0.96 SF-10

5

Dr

5

16 345 E Julian Dr 675,000 451,300 03/28/2022 4,093 10,200 2002 0.9 SF-10

5

17 3070 S Ironwood St 1,003,500 451,000 06/29/2022 4,093 10,200 2000 0.92 SF-10

15 394 E Julian 750,000 497,100 12/10/2021 4,093 16,758 2001 0.84 SF-10

#4 760 E Elgin St Gilbert Az 85295

APN / Alternate APN: 304-80-947 / Deed Type: Warranty Deed Land Use: Sfr Subdivision / Tract: Estates At Velvendo Ph 1 / Lot Size: 8,750

Year Built / Eff: 2013 / Rec. Date / Price: 03/10/2022 / $1,450,000 Living Area: 4,464 # of units:

Owner Name: Burwell Curtis /Burwell Lindsey

APN / Alternate APN: 304-80-941 / Deed Type: Special Warranty Deed Land Use: Sfr Subdivision / Tract: Estates At Velvendo Ph 1 / Lot Size: 8,750

Rec. Date / Price: 07/10/2013 / $509,101 Living Area: 4,271

Bedrooms: Pool:

#1 881 E Parkview Dr Gilbert Az 85295

Total Tax Value: $513,600 Bath(F/H): /

Customer Company Name : FIRST AMERICAN TITLE Prepared On : 09/19/2022 CoreLogic.

APN / Alternate APN: 304-45-911 / Deed Type: Warranty Deed Land Use: Sfr Subdivision / Tract: Casa Rica / Lot Size: 20,000

Document #: 527212

# of units: Document #: 629107

#3 899 E Clifton Ave Gilbert Az 85295

Owner Name: Ravelo Michael Adam /Willoughby Danielle

Details of Comparables

Total Tax Value: $483,200 Bath(F/H): /

# of units:

Customer Name : Chantel Cortez

Bedrooms: Pool: Pool

Year Built / Eff: 2014 /

Land Use: Sfr

Subject Property: 882 E Parkview Dr Gilbert Az 85295

Total Tax Value: $522,700 Bath(F/H): /

Year Built / Eff: 2004 / Rec. Date / Price: 03/04/2022 / $945,000 Living Area: 4,372

# of units: Document #: 1168485

#2 739 E Bridle Way Gilbert Az 85295

Document #: 202520

Bedrooms: Pool: Pool

APN / Alternate APN: 304-44-105 / Deed Type: Warranty Deed Land Use: Sfr Subdivision / Tract: Jakes Ranch Amd / Lot Size: 18,750 Year Built / Eff: 2002 / Rec. Date / Price: 06/24/2022 / $1,250,000 Living Area: 4,745 # of units:

Year Built / Eff: 2013 /

Owner Name: Mccoy Kimberlee /Mccoy Timothy

Total Tax Value: $666,300 Bath(F/H): /

Document #: 221715

Subdivision / Tract: Vintage Ranch / Lot Size: 14,092

Bedrooms: Pool: Pool

Total Tax Value: $805,800 Bath(F/H): /

Rec. Date / Price: 10/29/2021 / $815,000 Living Area: 3,915

Owner Name: Mou Jenny /Mou Zhi

Owner Name: Plumridge Christopher M W / APN / Alternate APN: 309-29-041 / Deed Type: Warranty Deed

Land Use: Sfr

Total Tax Value: $530,300 Bath(F/H): /

Year Built / Eff: 2004 /

# of units: Document #: 620935 Bedrooms: Pool: Pool

Rec. Date / Price: 03/03/2022 / $799,000 Living Area: 3,739

Rec. Date / Price: 08/04/2022 / $747,500 Living Area: 3,739

Owner Name: Buckstead Jalon /Buckstead Carolina APN / Alternate APN: 309-29-075 / Deed Type: Warranty Deed

Year Built / Eff: 2004 / Rec. Date / Price: 12/03/2021 / $933,000 Living Area: 4,462

Subdivision / Tract: Jakes Ranch Amd / Lot Size: 11,665

Owner Name: Hansen Greg E /Hansen Emily APN / Alternate APN: 304-45-373 / Deed Type: Warranty Deed

Subdivision / Tract: Vintage Ranch / Lot Size: 14,720

Subdivision / Tract: Spectrum At Val Vista Prcl 19 / Lot Size: 9,619

Land Use: Sfr Subdivision / Tract: Spectrum At Val Vista Prcl 19 / Lot Size: 12,859

#8 3029 S Colonial St Gilbert Az 85295

Owner Name: Lindsey Troy / APN / Alternate APN: 309-29-030 / Deed Type: Warranty Deed Land Use: Sfr

Customer Name : Chantel Cortez

#5 2830 S Riata Ct Gilbert Az 85295

# of units: Document #: 311025

APN / Alternate APN: 304-44-170 / Deed Type: Warranty Deed Land Use: Sfr

Total Tax Value: $557,800 Bath(F/H): /

#9 1001 E Benrich Dr Gilbert Az 85295

Customer Company Name : FIRST AMERICAN TITLE Prepared On : 09/19/2022

# of units: Document #: 194671 Bedrooms: Pool: Pool

Year Built / Eff: 2004 /

Year Built / Eff: 2004 / Rec. Date / Price: 04/07/2022 / $1,010,000 Living Area: 4,525

Bedrooms: Pool:

#7 607 E Elgin St Gilbert Az 85295

Bedrooms: Pool: Pool

Owner Name: Nusca Jason /Nusca Maria

Total Tax Value: $431,500 Bath(F/H): /

Total Tax Value: $416,800 Bath(F/H): /

Bedrooms: Pool: Pool

Subdivision / Tract: Vintage Ranch / Lot Size: 12,468

Owner Name: Watkins Bradley /Watkins Melissa

APN / Alternate APN: 304-45-353 / Deed Type: Warranty Deed Land Use: Sfr

Year Built / Eff: 2000 / Rec. Date / Price: 05/11/2022 / $1,125,000 Living Area: 3,999 # of units: Document #: 409886

# of units: Document #: 1287718

#6 538 E Parkview Dr Gilbert Az 85295

Total Tax Value: $539,500 Bath(F/H): /

Rec. Date / Price: 04/15/2022 / $2,200,000 Living Area: 4,702

:

Total Tax Value: $490,300 Bath(F/H): /

Total Tax Value: $627,000 Bath(F/H): /

Total Tax Value: $619,100 Bath(F/H): /

Owner Name: Baker Mark L /Haldeman Jennifer APN / Alternate APN: 309-29-181 / Deed Type: Warranty Deed Land Use: Sfr Subdivision / Tract: Vintage Ranch / Lot Size: 10,079

Year Built / Eff: 2003 / Rec. Date / Price: 08/09/2022 / $885,000 Living Area: 4,011 # of units: Document #: 630921

Owner Name: Canyon Creek Assisted Livin / APN / Alternate APN: 304-44-685 / Deed Type: Special Warranty Deed Land Use: Sfr Subdivision / Tract: Gilbert Commons Unit 1 / Lot Size: 19,280 Year Built / Eff: 2001 /

#12 489 E Benrich Dr Gilbert Az 85295

Year Built / Eff: 2000 / Rec. Date / Price: 10/05/2021 / $769,000 Living Area: 3,974 # of units:

Year Built / Eff: 2001 /

Total Tax Value: $430,500 Bath(F/H): /

Rec. Date / Price: 07/08/2022 / $950,000 Living Area: 4,588

# of units: Document #: 560229

Bedrooms: Pool: Pool

Rec. Date / Price: 11/05/2021 / $1,499,000 Living Area: 4,238

Bedrooms: Pool: Pool

Customer Company Name AMERICAN TITLE On 09/19/2022

Prepared

# of units: Document #: 333766

: FIRST

Bedrooms: Pool: Pool

Year Built / Eff: 2005 /

Owner Name: Dal Monte Howard /Dal Rachelle APN / Alternate APN: 304-44-674 / Deed Type: Warranty Deed Land Use: Sfr Subdivision / Tract: Gilbert Commons Unit 1 / Lot Size: 24,928

Bedrooms: Pool: Pool

#11 369 E Canyon Creek Dr Gilbert Az 85295

# of units: Document #: 1192067

Owner Name: Paladini Jon / APN / Alternate APN: 309-20-079 / Deed Type: Warranty Deed Land Use: Sfr Subdivision / Tract: Ashland Ranch / Lot Size: 10,213

:

Customer Name Chantel Cortez

#10 949 E Benrich Dr Gilbert Az 85295

Bedrooms: Pool: Pool

#14 2129 S Sailors Way Gilbert Az 85295

#13 346 E Dennisport Ct Gilbert Az 85295

Total Tax Value: $513,800 Bath(F/H): /

Document #: 1072537

Owner Name: Simpson Steven S Sr /Simpson Maureen APN / Alternate APN: 304-45-377 / Deed Type: Warranty Deed Land Use: Sfr Subdivision / Tract: Spectrum At Val Vista Prcl 19 / Lot Size: 13,264

Rec. Date / Price: 12/10/2021 / $750,000 Living Area: 4,093

Owner Name: Trevor & Yolanda Mates Trust /Mates Trevor C & Yolanda A APN / Alternate APN: 304-44-603 / Deed Type: Warranty Deed Land Use: Sfr Subdivision / Tract: Allen Ranch Parcels 1 2 3 & 4 / Lot Size: 10,200

Bedrooms: Pool: Pool

Total Tax Value: $422,000 Bath(F/H): /

Year Built / Eff: 2001 /

Owner Name: Cain Daniel / APN / Alternate APN: 304-44-618 / Deed Type: Warranty Deed Land Use: Sfr Subdivision / Tract: Allen Ranch Parcels 1 2 3 & 4 / Lot Size: 10,200

#17 3070 S Ironwood St Gilbert Az 85295

Rec. Date / Price: 06/29/2022 / $1,003,500 Living Area: 4,093

#19 2885 S Palm St Gilbert Az 85295

Document #: 538779

Rec. Date / Price: 01/05/2022 / $760,912 Living Area: 3,659

Bedrooms: Pool: Pool

#15 394 E Julian Dr Gilbert Az 85295

Year Built / Eff: 2002 /

Total Tax Value: $451,000 Bath(F/H): /

# of units: Document #: 1312663

Owner Name: Lewis Steven /Vause Leah APN / Alternate APN: 304-44-380 / Deed Type: Warranty Deed Land Use: Sfr Subdivision / Tract: Allen Ranch Parcels 1 2 3 & 4 / Lot Size: 14,902

Document #: 533764

Customer Name : Chantel Cortez

Owner Name: Kearl Ryan /Kearl Paige APN / Alternate APN: 304-44-559 / Deed Type: Warranty Deed Land Use: Sfr Subdivision / Tract: Allen Ranch Parcels 1 2 3 & 4 / Lot Size: 16,758

# of units:

Year Built / Eff: 2002 /

# of units:

Customer Company Name : FIRST AMERICAN TITLE Prepared On : 09/19/2022 CoreLogic.

Total Tax Value: $497,100 Bath(F/H): /

Bedrooms: Pool: Pool

Total Tax Value: $451,300 Bath(F/H): /

Rec. Date / Price: 03/28/2022 / $675,000 Living Area: 4,093

Bedrooms: Pool: Pool

# of units: Document #: 14876 Bedrooms: Pool: Pool

Rec. Date / Price: 06/28/2022 / $795,000 Living Area: 3,659

# of units: Document #: 273963

Total Tax Value: $461,300 Bath(F/H): /

Owner Name: Backus Chad A / APN / Alternate APN: 304-44-371 / Deed Type: Warranty Deed Land Use: Sfr Subdivision / Tract: Allen Ranch Parcels 1 2 3 & 4 / Lot Size: 10,099

Year Built / Eff: 2000 /

#18 2956 S Birch Ct Gilbert Az 85295

#16 345 E Julian Dr Gilbert Az 85295

SchoolsArizona For detailed information and statistics on Arizona schools please go ©2021FirstFirsthttps://azreportcards.azed.gov/toAmericanTitleInsuranceCompany,andtheoperatingdivisionsthereof,makenoexpressorimpliedwarrantyrespectingtheinformationpresentedandassumenoresponsibilityforerrorsoromissions.American,theeaglelogo,FirstAmericanTitle,andfirstam.comareregisteredtrademarksortrademarksofFirstAmericanFinancialCorporationand/oritsaffiliates.FirstAmericanFinancialCorporationand/oritsaffiliates.Allrightsreserved.NYSE:FAF05117910421

Lowest Grade : Pre-K Highest Grade : 6th Kindergarten : Yes School Enrollment : Enrollment : 640

School District : West Gilbert Charter Elementary School Inc. (79497)

Spectrum Elementary Distance 0.57 Miles

AMERICAN TITLE Prepared

1945 S Ashland Ranch Rd Gilbert AZ 85295

Total Expenditure/Student :

Telephone : (480) 917-0117

Imagine Academy Of Phoenix Distance 1.28 Miles

Total Expenditure/Student : 208

School District : Gilbert Unified District (4239)

Public Schools :

Lowest Grade : Pre-K Highest Grade : 6th Kindergarten : Yes School Enrollment : Enrollment : 784

Name :

Customer Name

2645 N 24th St Phoenix AZ Telephone :85008(623) 250-4580

Total Expenditure/Student : 208

School District : Gilbert Unified District (4239)

Ashland Elementary Distance 0.97 Miles

Telephone : (480) 917-9900

Customer Company FIRST On : 09/19/2022

Lowest Grade : K Highest Grade : 5th Kindergarten : Yes School Enrollment : Enrollment : 169

Elementary Schools

2846 S Spectrum Way Gilbert AZ 85295

: Chantel Cortez

Quartz Hill Elementary Distance 1.4 Miles

Lowest Grade : 7th Highest Grade : 8th Kindergarten : No School Enrollment : Enrollment : 1024

School District : Gilbert Unified District (4239)

Middle Schools

2034 S Lindsay Rd Gilbert AZ Telephone :85295(480) 855-0015

School District : Gilbert Unified District (4239)

Total Expenditure/Student : 208

South Valley Junior High Distance 0.77 Miles

2061 S Gilbert Rd Gilbert AZ Telephone :85295(480) 855-2700

3680 S Quartz St Gilbert AZ Telephone :85297(480) 855-5732

Lowest Grade : Pre-K Highest Grade : 6th Kindergarten : Yes School Enrollment : Enrollment : 588

Imagine West Gilbert Middle Distance 1.27 Miles

Total Expenditure/Student : 208

Customer Name : Chantel Cortez

Lowest Grade : 6th Highest Grade : 8th Kindergarten : No School Enrollment : Enrollment : 69 Total Expenditure/Student :

School District : West Gilbert Charter Middle School Inc. (79990)

Customer Company Name : FIRST AMERICAN TITLE Prepared On : 09/19/2022

Customer On : 09/19/2022

LeadingSchoolsEdgeAcademy

Lowest Grade : 8th Highest Grade : 12th School Enrollment : Enrollment : 2018

Campo Verde High School Distance 1.71 Miles

Distance 1.65 Miles

School District : East Valley Institute Of Technology (4516)

1515 S Val Vista Dr Gilbert AZ Telephone :85296 (480) 813-1151

High

Name : Chantel Cortez Customer Company Name : FIRST AMERICAN TITLE Prepared

Distance 1.74 Miles

Total Expenditure/Student : Advanced Placement : No

Lowest Grade : 9th Highest Grade : 12th School Enrollment : Enrollment : 267

633 E Ray Rd Ste 132 Gilbert AZ 85296

Total Expenditure/Student : Advanced Placement : No

Online Distance 1.32 Miles

Telephone : (480) 257-5362

Evit - Campo Verde High School

Lowest Grade : 9th Highest Grade : 12th School Enrollment : Enrollment : 0

3870 S Quartz St Gilbert AZ Telephone :85297(480) 545-3100

School District : Lead Charter Schools (79967)

Total Expenditure/Student : Advanced Placement : No

Lowest Grade : 6th Highest Grade : 12th School Enrollment : Enrollment : 86

Total Expenditure/Student : 208 Advanced Placement : No

Desert Hills High School

School District : Gilbert Unified District (4239)

3870 S Quartz St Gilbert AZ Telephone :85297(480) 461-4000

School District : American Charter Schools Foundation D.b.a. Desert (79872)

Sanfratello's Pizza 2568 S Riata Ct Gilbert Az (480) 636-7131 0.4

Klean Inn L.l.c. 2732 S Sailors Way Gilbert Az (480) 577-8152 0.4

Bio Neuro Balance Lab Llc 704 E Hampton Ct Gilbert Az (480) 497-4510 0.21

Customer Name : Chantel Cortez

Az Home Mortgage Loans 2986 S Roca St Gilbert Az (602) 790-1492 0.44

Banks / Financial

Name Address Telephone Distance (Miles)

AttractionsBusiness/Recreation

Name Address Telephone Distance (Miles)

Sweet On You Candy Buffet 1080 E Elgin St Gilbert Az (480) 241-7133 0.38

Name Address Telephone Distance (Miles)

U Rate It Llc 899 E Clifton Ave Gilbert Az (480) 345-7420 0.3

Rock Steady Boxing Gilbert, Llc 614 E Hampton Ct Gilbert Az (480) 296-1652 0.33

The Hamptons 883 E Hampton Ln Gilbert Az (480) 892-2468 0.04

Hospitality

Aqua Tots Swim Schools Llc 2335 S Lindsay Rd Gilbert Az (480) 383-3067 0.42

Armor Mortgage L.l.c. 658 E Hopkins Rd Gilbert Az (480) 986-8738 0.45

Eating / Drinking

Health Care Services

Kajaco Eateries-warner, Llc 2568 S Riata Ct Gilbert Az (480) 636-7131 0.4

Aurora Medical Billing, Inc. 877 E Lowell Ave Gilbert Az (602) 750-5855 0.14

Local

Brian C Andrews Md Pc 706 E Vermont Dr Gilbert Az (480) 540-0190 0.23

Customer Company Name : FIRST AMERICAN TITLE Prepared On : 09/19/2022

Name Address Telephone Distance (Miles)

Idance Studio & Performing Arts, Llc 854 E Williams Field Rd Gilbert Az (480) 857-8077 0.33

Sunnymd, Llc 841 E Buffalo St Gilbert Az (602) 910-1487 0.24

Golden Genius Entertainment, Llc 2755 S Southwind Dr Gilbert Az (480) 204-3264 0.34

Envoy Mortgage Ltd 2986 S Roca St Gilbert Az (480) 505-7067 0.44

870 E Williams Field Rd Gilbert Az (480) 658-1620 0.34

Ministry 1071 E Bart St Gilbert Az (480) 861-4866 0.9

Renea's Pantry, Llc

Frameless Glass Llc 1130 E Clifton Ct Gilbert Az (480) 625-0704 0.4

Arc Fitness Llc 2774 S Southwind Dr Gilbert Az (503) 428-8273 0.34

Desert Cross Lutheran Church 3225 S Lindsay Rd Gilbert Az (480) 821-1337 0.72

Customer Company Name : FIRST AMERICAN TITLE Prepared On : 09/19/2022 CoreLogic.

Toffee Break Llc. 985 E Lowell Ave Gilbert Az (480) 221-9390 0.15

Name Address Telephone Distance (Miles)

Mkt Analytics, Llc 3040 S Colonial St Gilbert Az (480) 275-8586 0.46

Yf Bethanny, Llc

710 E Williams Field Rd Gilbert Az (480) 899-4858 0.39

Southeast Valley Baptist Churc

Customer Name : Chantel Cortez

Gilbert Personal Training 3133 S Lindsay Rd Gilbert Az (480) 747-7874 0.63

Name Address Telephone Distance (Miles)

Fusion Fitness Az, Llc 460 E Canyon Creek Ct Gilbert Az (480) 897-7164 0.53

Mercy Reigns Ministry Inc 189 E Chelsea Ln Gilbert Az (480) 855-4146 0.82

Organizations / Associations

Personal Services

2878 S Colonial St Gilbert Az (480) 275-5953 0.36

Shopping

862 E PARKVIEW DR

Distance 0.03 Miles

Subdivision : Estates At Velvendo Ph 1

Yr Blt / Eff Yr Blt : 2013 / APN : 304-80-942

Land Use : Sfr Lot Acres : 0.20

Lot Acres : 0.20

Property Tax : $3,945.42

Bed / Bath : / 4

Bed / Bath : / 4 Property Tax : $3,966.46

Yr Blt / Eff Yr Blt : 2013 / APN : 304-80-940

Subdivision : Estates At Velvendo Ph 1

Owner Name : Sines Michael Corey

Total Value : $433,100

Sale Price : $570,000

Bed / Bath : / 4 Property Tax : $3,234.44

Yr Blt / Eff Yr Blt : 2013 / APN : 304-80-934

Sale Date : 09/19/2019

Customer Name : Chantel Cortez

Recording Date : 07/11/2022

Stories : 1 Living Area : 2,826

Owner Name : Ishmael

Sale Date : 09/03/2013

Subdivision : Estates At Velvendo Ph 1

Sale Date : 06/23/2022

Distance 0.01 Miles

Land Use : Sfr Lot Acres : 0.20

Subdivision : Estates At Velvendo Ph 1

Total Value : $433,500

Land Use : Sfr

Sale Price : $549,000

Total Value : $491,300

Yr Blt / Eff Yr Blt : 2013 / APN : 304-80-939

Customer Company Name : FIRST AMERICAN TITLE Prepared On : 09/19/2022 CoreLogic.

883 E HAMPTON LN Distance 0.02 Miles

Owner Name : Thornton Dan

Recording Date : 09/10/2020

Recording Date : 09/05/2013

Sale Price : $815,000

894 E PARKVIEW DR

Sale Price : $429,595

872 E PARKVIEW DR

Stories : 1 Living Area : 2,826

Land Use : Sfr

Lot Acres : 0.20

Distance 0.01 Miles

Sale Date : 09/08/2020

Stories : 1 Living Area : 2,549

Property Tax : $2,922.14

Recording Date : 09/23/2019

Total Value : $457,300

Owner Name : Mitsuda Bemanda

Stories : 2 Living Area : 3,930

Bed / Bath : / 4

Yr Blt / Eff Yr Blt : 2013 /

893 E HAMPTON LN

905 E HAMPTON LN Distance 0.04 Miles

Bed / Bath : / 5 Property Tax : $4,099.12

Land Use : Sfr Lot Acres : 0.20

Subdivision : Estates At Velvendo Ph 1

Yr Blt / Eff Yr Blt : 2014 / APN : 304-80-933

Subdivision : Estates At Velvendo Ph 1

Land Use : Sfr Lot Acres : 0.20

Stories : 2 Living Area : 3,915

Stories : 2 Living Area : 3,720

Owner Name : Hausman John

Customer Company Name : FIRST AMERICAN TITLE Prepared On : 09/19/2022 CoreLogic.

Bed / Bath : / 4 Lot Acres : 0.20

Sale Date : 10/25/2021

Owner Name : Fisher Steve

Owner Name : Ravelo Michael Adam

Owner Name : Uicab Jasmine & Oscar

Yr Blt / Eff Yr Blt : 2014 / APN : 304-80-947

Distance 0.03 Miles

881 E PARKVIEW DR

Total Value : $453,700

Recording Date : 05/23/2014

Sale Date : 07/17/2013

Distance 0.03 Miles

Land Use : Sfr Living Area : 2,826

Stories : 1 APN : 304-80-935

Bed / Bath : / 4 Property Tax : $3,209.80

Total Value : $501,800

Subdivision : Estates At Velvendo Ph 1

Distance 0.03 Miles

Total Value : $482,200

Property Tax : $3,076.56

873 E HAMPTON LN

Recording Date : 07/24/2013

Sale Price : $425,000

Subdivision : Estates At Velvendo Ph 1

Sale Price : $497,989

Bed / Bath : / 5 Property Tax : $4,021.08

Stories : 2 Living Area : 3,867

Recording Date : 10/29/2021

Land Use : Sfr Lot Acres : 0.20

Sale Date : 05/23/2014

Total Value : $483,200 Sale Price : $815,000

Yr Blt / Eff Yr Blt : 2013 / APN : 304-80-932

Customer Name : Chantel Cortez

891 E PARKVIEW DR

Owner Name : Patel Jayesh G

Distance 0.04 Miles

Total Value : $433,500

Owner Name : Kuhl Peter A

Bed / Bath : / 6 Property Tax : $4,455.22

Stories : 2 Living Area : 4,271

Subdivision : Estates At Velvendo Ph 1

Sale Date : 06/20/2013

Recording Date : 06/17/2015

Recording Date : 07/16/2013

Subdivision : Estates At Velvendo Ph 1

Land Use : Sfr Lot Acres : 0.20

Sale Price : $482,847

Customer Name : Chantel Cortez

861 E HAMPTON LN

Sale Date : 06/10/2015

Bed / Bath : / 4 Property Tax : $3,366.46

Stories : 1 Living Area : 2,826

Yr Blt / Eff Yr Blt : 2013 / APN : 304-80-936

Customer Company Name : FIRST AMERICAN TITLE Prepared On : 09/19/2022

Sale Price : $432,000

Distance 0.04 Miles

Total Value : $508,200

Yr Blt / Eff Yr Blt : 2013 / APN : 304-80-946

Land Use : Sfr Lot Acres : 0.20

No demographics data for selected property.

Customer

0

PARCEL: 304-80-941 5

SEARCH PARAMETERS

0

RESIDENTIAL IMPROVEMENTS BLDG SQFT 4,271 COOLING REFRIGERATION YEAR BUILT 2013 EXTERIOR WALLS OTHER NUMBER OF STORIES ROOF OTHER NUMBER OF ROOMS CONSTRUCTION CLASS R4 NUMBER OF BATH FIXTURES 15 PHYSICAL CONDITION OTHER PATIO (TYPE AND NUMBER) COVERED 1 LAND USE 01 41 GARAGE (TYPE AND NUMBER) GARAGE 4 LOT SIZE 8,750 SQ FT POOL SQ FT 352 SCHOOL DISTRICT 410600 HEATING LAND FULL CASH VALUE 109,300 IMPR FULL CASH VALUE 437,500 SALES SALE DATE SALE AMOUNT INSTRUMENT TYPE SELLER NAME VALIDITY 07/10/2013 509,101 2013 629107 SD MERITAGE HOMES OF ARIZONA ADDITIONAL PROPERTY INFORMATION STANDARD LAND USE: SFR END SEARCH

TOTAL CURRENT TAXES DUE 09/22 4,228.86 10/22 4,228.86 (ESTIMATED)

PARCEL: 304-80-941

+ FIRST AMERICAN TITLE, FC0, CCOR MARICOPA, AZ 09/19/2022 06:46AM NKFE INVESTIGATIVE SEARCH RESULTS PAGE 1 OF 1

INSTRUMENT REC DATE

PRIMARY 48,449 0 5.8283 410600 23711 30001

OWNER: MOU JENNY/ZHI 2013 629107 07/10/2013

MAIL: 882 E PARKVIEW DR GILBERT AZ 85295

SITUS: 882 E PARKVIEW DR GILBERT

PLAT: 1127 - 13 LOT 165

2022 TAX AMT TAX DUE INTEREST DATE PAID

TOTAL DUE

2022 TOTAL TAX BILLED 4,228.86

EXEMPT RATE

SECONDARY 10,930 43,750 4.1386

INFORMATION THROUGH 08/26/2022 IMPR AREA SPECIAL DISTRICTS

LAND

FIRST HALF 2,114.43 2,114.43 0.00 2,114.43 SECOND HALF 2,114.43 2,114.43 0.00 2,114.43

LEGAL: ESTATES AT VELVENDO PHASE 1 MCR 1127-13

CURRENT TAXES

to the Title & Escrow Process in Arizona Home Seller’s Guide

Southwest Gas www.swgas.com1.877.860.6020 Cox www.cox.com602.277.1000 Direct TV www.directv.com1.888.777.2454 Dish Network www.dishnetwork.com1.800.823.4929 CenturyLink www.centurylink.com800.366.8201 AT&T www.att.com1.800.222.0300 Verizon www.connecttoverizon.com1.877.300.4498 Salt River Project www.srpnet.com602.236.8888 APS www.aps.com602.371.7171 Your Escrow Number Your New City/State/ZipAddress Real Estate Agent Name Email Assistant Email Company Phone Address Fax Insurance CompanyPrevious Phone Previous Agent No.Policy New Company Phone New Agent No.Policy Home CompanyWarranty No.Policy First American Title Escrow Officer Email Escrow Assistant Email Address Phone City/State/Zip Fax 02 Quick Reference 03 Welcome 04 Benefits of Using a REALTOR ® 05 Key Professionals 06 Preparing Your Home for Sale 07 Staging Your Home for Show 09 Terms You Should Know 10 The Life of an Escrow 11 Closing Costs: Who Pays What 12 The Escrow Process 14 Understanding Title Insurance 16 Consider This 17 Closing Your Escrow 18 Planning Your Move Q uick Reference Table of Contents Utilities and Services

Count on First American Title

AZ Sellers Guide | 3

First American Title’s professionals are proud to provide the title insurance that assures people’s home ownership. Backed by First American Title Insurance Company, your transaction will be expertly completed in accordance with state-specific underwriting standards and state and federal regulatory requirements.

Count On Us For Convenience

Count On Us For Service

Welcome to the home-selling process. Throughout this process, you can count on First American Title to guide you smoothly through your transaction and provide expert answers to your questions. We are happy to serve you.

First American Title is the principal subsidiary of First American Financial Corporation, and one of the largest suppliers of title insurance services in the nation. With roots dating back to 1889, we’ve served families for generations.

Count On Us To Meet Your Needs

First American Financial Corporation offers more than title insurance and escrow services through its subsidiaries. Our subsidiaries also provide property data, title plant records and images, home warranties, property and casualty insurance, and banking, trust and advisory services.

First American Title has a direct office or agent near you, offering convenient locations throughout Arizona. We also have an extensive network of offices and agents throughout the United States, and internationally.

Count On Us For Stability

Are you...

› Is experienced in creating demand for homes and how to show them to advantage.

› Maintains errors-and-omissions insurance.

A REALTOR ® :

of using a Professional REALTOR ®

› Can remain objective when presenting offers and counter-offers on your behalf.

Do you...

AZ Sellers Guide |

- know how to determine whether or not a buyer can qualify for a loan?

- understand the various types of loans buyers may choose and the advantages and disadvantages for the seller?

- have arrangements with an escrow and title company, home warranty company, pest-control service and lender to assist you with the transaction?

- prepared to give up your evenings and weekends to show your home to potential buyers and “just-looking” time wasters?

› Can help protect your rights, particularly important with the increasingly complicated real estate laws and regulations.

Many people believe they can save a considerable amount of money by selling their homes themselves. It may seem like a good idea at the time, but while you may be willing to take on the task, are you qualified? The following are some questions to help you realistically assess what’s involved.

› Is experienced with resolving problems to facilitate a successful closing on your home.

Before you make the decision to try to sell your home alone, consider the benefits a REALTOR ® can provide that you may not be aware of.

› Will listen to your needs, respect your opinions and allow you to make your own decisions.

- need to hire a real estate attorney? If so, do you know what the cost will be and how much liability they will assume in the transaction?

- aware of conditions in the marketplace today that affect value and length of time to sell?

› Knows how to screen potential buyers and eliminate those who can’t qualify or are looking for bargain-basement prices.

› Is always “on-call,” answering the phone at all hours, and showing homes evenings and weekends.

- understand the steps of an escrow and what’s required of you and the buyer?

- familiar enough with real estate regulations to prepare a binding sales contract? Counter-offers?

- aware that every time you leave your home, you are taking it off the market until you return?

› Knows how to go toe-to-toe in negotiations.

FOR SALE BY OWNER

› Understands market conditions and has access to information not available to the average homeowner.

Only you can determine whether you should attempt to sell your home—probably your largest investment—all alone. Talk with a REALTOR® before you decide. You may find working with a professional is a lot less expensive and much more beneficial than you ever imagined!

- know how to determine your home’s current market value?

- know how to advertise effectively and what the costs will be?

- concerned about having strangers walking through your home?

› Knows how to price your home realistically, to give you the highest price possible within your time frame.

- aware that prospective buyers and bargain hunters will expect you to lower your cost because there’s no REALTOR® involved?

› Can advertise effectively for the best results.

- have the knowledge, patience, and sales skills needed to sell your home?

Benefits4

TITLE COMPANY

A real estate agent is licensed by the state to represent parties in the transfer of property. Every REALTOR ® is a real estate agent, but not every real estate agent has the professional designation of a REALTOR.®

BUYER'S AGENT

The MLS is a database of properties listed for sale by REALTORS ® who are members of the local Association of REALTORS.® Information on an MLS property is available to thousands of REALTORS ®

A key role of the buyer’s agent or broker is to work with the buyer to locate a suitable property and negotiate a successful home purchase.

A REALTOR ® is a licensed real estate agent and a member of the National Association of REALTORS,® a real estate trade association. REALTORS ® also belong to their state and local Association of REALTORS.®

REAL ESTATE AGENT

LISTING AGENT

Key Professionals Involved in Your Transaction

REALTOR ®

MULTIPLE LISTING SERVICE (MLS)

ESCROW OFFICER

These are the people who carry out the title search and examination, work with you to eliminate the title exceptions you are not willing to take subject to, and provide the policy of title insurance regarding title to the real property.

A key role of the listing agent or broker is to form a legal relationship with the homeowner to sell the property and place the property in the Multiple Listing Service.

AZ Sellers Guide | 5

An escrow officer leads the facilitation of your escrow, including escrow instructions preparation, document preparation, funds disbursement, and more.

Ensure that all exterior lights are working.

Check stucco walls for cracks and discoloration.

Remove any oil and rust stains from the driveway and garage.

Make sure toilet seats look new and are firmly attached.

Rearrange furniture to make rooms appear larger. If possible, remove and/or store excess furniture, and avoid extension cords in plain view.

Remove clutter throughout the house. Organize and clean out closets. Clean household appliances and make sure they work properly.

Mow and edge the lawn regularly, and trim the shrubs.

YOURFORPREPARINGSALEHOME

Paint or replace the mailbox, if needed.

Repair or replace loose knobs on doors and cabinets. If doors stick or squeak, fix them.

If screens or windows are damaged, replace or repair them.

Repair or replace worn shutters and other exterior trim.

Make your entry inviting: Paint your front door and buy a new front door mat.

Shampoo carpeting or replace if worn. Clean tile floors, particularly the caulking.

Repair leaky faucets and caulking in bathtubs and showers.

Repair or replace loud ventilating fans. Replace worn shower curtains.

Check the pool and/or spa equipment and pumps. Make sure all are working properly and that the pool and/or spa are kept clean. Inspect fences, gates and latches. Repair or replace as needed.

Air conditioners/heaters, evaporative coolers, hot water heater should be clean, working and inspected if necessary. Replace filters.

Make sure the front steps are clear and hazard-free. Make sure the doorbell works properly and has a pleasant sound.

AZ Sellers Guide | 6

Clean and organize the garage, and ensure the door is in good working order.

First impressions have a major impact on potential buyers. Try to imagine what potential buyers will see when they approach your house for the first time and walk through each room. Ask your REALTOR ® for advice; they know the marketplace and what helps a home sell. Here are some tips to present your home in a positive manner:

Brighten the appearance inside by painting walls, cleaning windows and window coverings, and removing sunscreens.

Get rid of odors such as tobacco, pets, cooking, etc., but don’t overdo air fresheners or potpourri. Fresh baked bread and cinnamon can make a positive impact. Send pets away or secure them away from the house, and be sure to clean up after them.

Keep the garage door closed and the driveway clear. Park autos and campers away from your home during showings

If possible you, your pets, and your children should be gone while your home is being

Cleanshown.trash

If you must be present while your home is shown, keep noise down. Turn off the TV and radio. Soft, instrumental music is fine, but avoid vocals.

Close the windows to eliminate street noise.

Hang clean attractive guest towels in the bathrooms. Check that sink and tub are scrubbed and unstained. Make beds with attractive spreads. Stash or throw out newspapers, magazines, junk mail.

To make the best impression, keep your home clean, neat, uncluttered and in good repair. Please review this list prior to each showing:

Keep everything clean. A messy or dirty home will cause prospective buyers to notice every flaw.

Clear all clutter from counter tops.

Let the light in. Raise shades, open blinds, pull back the curtains and turn on the lights.

AZ Sellers Guide | 7

cans and put them out of sight.

Staging your home for Show

AZ Sellers Guide | 8

A payment that includes Principal, Interest, Taxes, and Insurance.

Occurs when the borrower becomes contractually obligated to the creditor on the loan, not, for example, when the borrower becomes contractually obligated to a seller on a real estate transaction. The point in time when a borrower becomes contractually obligated to the creditor on the loan depends on applicable State law. Consummation is not the same as close of escrow or settlement.

The instrument by which real property is pledged as security for repayment of a loan.

A right, privilege or interest limited to a specific purpose that one party has in the land of another.

Closing Disclosure (CD)

Earnest Money Deposit

Deed of Trust

Appraisal

Consummation

Closing Disclosure form designed to provide disclosures that will be helpful to borrowers in understanding all of the costs of the transaction. This form will be given to the consumer three (3) business days before closing.

Filing documents affecting real property with the appropriate government agency as a matter of public record.

TILA-RESPA Integrated Disclosures

Easement

Beneficiary

Limitations in the deed to a parcel of real property that dictate certain uses that may or may not be made of the real property.

AZ Sellers Guide | 9

The date the amounts are to be disbursed to a buyer and seller in a purchase transaction or the date funds are to be paid to the borrower or a third party in a transaction that is not a purchase transaction.

Hazard Insurance

Recording

An estimate of value of property resulting from analysis of facts about the property; an opinion of value.

A trust type of account established by lenders for the accumulation of borrower’s funds to meet periodic payments of taxes, mortgage insurance premiums and/or future insurance policy premiums, required to protect their security.

Terms You Should Know

Sales that have similar characteristics as the subject real property, used for analysis in the appraisal. Commonly called “comps.”

An instrument used in many states in place of a mortgage.

Disbursement Date

Endorsement

A description of land recognized by law, based on government surveys, spelling out the exact boundaries of the entire parcel of land. It should so thoroughly identify a parcel of land that it cannot be confused with any other.

Lien

PITI

The borrower’s costs of the loan term expressed as a rate. This is not their interest rate.

Real estate insurance protecting against fire, some natural causes, vandalism, etc., depending upon the policy. Buyer often adds liability insurance and extended coverage for personal property.

A form of encumbrance that usually makes a specific parcel of real property the security for the payment of a debt or discharge of an obligation. For example, judgments, taxes, mortgages, deeds of trust.

The recipient of benefits, often from a deed of trust; usually the lender.

Form designed to provide disclosures that will be helpful to borrowers in understanding the key features, costs and risks of the mortgage loan for which they are applying. Initial disclosure to be given to the borrower three (3) business days after application.

Loan Estimate (LE)

Power of Attorney

Settlement statement

Provides a complete breakdown of costs involved in a real estate transaction.

Deed Restrictions

Down payment made by a purchaser of real property as evidence of good faith; a deposit or partial payment.

Legal Description

Generally the date the buyer becomes the legal owner and title insurance becomes effective.

TRID

A written instrument whereby a principal gives authority to an agent. The agent acting under such a grant is sometimes called an “Attorney-in-Fact.”

Impounds

Comparable Sales

Annual Percentage Rate (APR)

Close of Escrow

Mortgage

As to a title insurance policy, a rider or attachment forming a part of the insurance policy expanding or limiting coverage.

THE LENDER

AZ Sellers Guide | 10

THE BUYER

Once loan is consummated, sends funding package to lender for review.

THE SELLER

Chooses a Real Estate Agent

Gets pre-approval letter from Lender and provides to Real Estate Agent.

Documents are recorded and funds are disbursed. Issues final settlement statement.

Schedules inspections and evaluates findings. Reviews title BuyerpriorlenderpaperworkProvidespreliminarycommitment/report.allrequestedtoLender(bankstatements,taxreturns,etc.)Allinvoicesandfinalapprovalsshouldbetothenolaterthan10daystoloanconsummation.Lender(orEscrowOfficer)preparesCDanddeliverstoatleast3dayspriortoloanconsummation.Escrowofficerorrealestateagentcontactsthebuyertoschedulesigningappointment.Buyerconsummatesloan,executessettlementdocuments,&depositsfundsviawiretransfer.Documentsarerecordedandthekeysaredelivered!

Schedules signing appointment and informs buyer of funds due at settlement.

Upon receipt of order and earnest money deposit, orders title examination.

THE ESCROW OFFICER

All demands, invoices, and fees must be collected and sent to lender at least 10 days prior to loan

Prepares recording instructions and submits docs for recording.

Coordinatesconsummation.withlender on the preparation of the CD.

Collects information such as title commitment / preliminary report, appraisal, credit report, employment and funds verification. Reviews and requests additional information for final loan

Underwritingapproval.reviews loan package for approval.

Requests necessary information from buyers and sellers via opening packages.

Chooses a Real Estate Agent

Coordinates with Escrow Officer on the preparation of the Closing Disclosure, which is delivered to Buyer at least 3 days prior to loan documents,UponDeliversconsummation.loandocumentstoescrow.reviewofsignedloanauthorizesloanfunding.

Accepts Buyer’s offer to openingCompletespurchase.andreturnspackagefromFirstAmericanTitle,includinginformationsuchasforwardingaddress,payofflendercontactinformationandloannumbers.Ordersanyworkforinspectionsand/orrepairstobedoneasrequiredbythepurchaseagreement.Escrowofficerorrealestateagentcontactsthesellertoschedulesigningappointment.Documentsarerecordedandallproceedsfromsalearereceived.

Completes and returns opening package from First American Title.

Accepts Buyer’s application and begins the qualification process. Provides Buyer with Loan Estimate.

Reviews title commitment / preliminary report. Upon receipt of opening packages, orders demands for payoffs. Contacts buyer or seller when additional information is required for the title preliminarycommitment/report.

Reviews all documents, demands, and instructions and prepares settlement statements and any other required documents.

Orders and reviews title commitment / preliminary report, property appraisal, credit report, employment and funds verification.

The Life Of An Escrow

Finalizes loan application with Lender. Receives a Loan Estimate from Lender.

Makes offer to purchase. Upon acceptance, opens escrow and deposits earnest money.

Closing Costs: Who Pays What

AZ Sellers Guide | 11 CASH FHA VA CONV 1. Downpayment BUYER BUYER BUYER BUYER 2. Termite (Wood Infestation) Inspection (negotiable except on VA) SELLER 3. Property Inspection (if requested by buyer) BUYER BUYER BUYER BUYER 4. Property Repairs, if any (negotiable) SELLER SELLER SELLER SELLER 5. New Loan Origination Fee (negotiable) BUYER BUYER BUYER 6. Discount Points (negotiable) BUYER BUYER BUYER 7. Credit Report BUYER BUYER BUYER 8. Appraisal or Extension Fee (negotiable) BUYER BUYER BUYER 9. Existing Loan Payoff SELLER SELLER SELLER SELLER 10. Existing Loan Payoff Demand SELLER SELLER SELLER SELLER 11. Loan Prepayment Penalty (if any) SELLER SELLER SELLER SELLER 12. Next Month’s PITI Payment BUYER BUYER BUYER 13. Prepaid Interest (approx. 30 days) BUYER BUYER BUYER 14. Reserve Account Balance (Credit seller / Charge buyer) PRORATE PRORATE PRORATE 15. FHA MIP, VA Funding Fee, PMI Premium BUYER BUYER BUYER 16. Assessments payoff or proration (sewer, paving, etc.) SELLER 17. Taxes PRORATE PRORATE PRORATE PRORATE 18. Tax Impounds BUYER BUYER BUYER 19. Tax Service Contract SELLER SELLER BUYER 20. Fire/Hazard Insurance BUYER BUYER BUYER BUYER 21 Flood Insurance BUYER BUYER BUYER 22. Homeowners Association (HOA) Transfer Fee BUYER or SELLER BUYER or SELLER BUYER or SELLER BUYER or SELLER 23. HOA/Disclosure Fee SELLER SELLER SELLER SELLER 24 Current HOA Payment PRORATE PRORATE PRORATE PRORATE 25. Next Month’s HOA Payment BUYER BUYER BUYER BUYER 26. Home Warranty Premium (negotiable) BUYER or SELLER BUYER or SELLER BUYER or SELLER BUYER or SELLER 27. REALTORS®’ Commissions SELLER SELLER SELLER SELLER 28. EAGLE Homeowners Title Policy SELLER SELLER SELLER SELLER 29. Lenders Title Policy and Endorsements BUYER BUYER BUYER 30. Escrow Fee (NOTE: Charge seller on VA Loan) SPLIT SPLIT SELLER SPLIT 31. Recording Fees (Flat rate) SPLIT SPLIT SPLIT SPLIT 32. Reconveyance/Satisfaction Fee SELLER SELLER SELLER SPLIT 33. Courier/Express Mail Fees SPLIT SPLIT SELLER SPLIT THIS CHART INDICATES WHO CUSTOMARILY PAYS WHAT COSTS Note: Prorated items will appear on Closing Statement as charges for one and credits for the other.

Once a purchase agreement is signed by all necessary parties, the agent representing the party who will pay the fee selects an escrow holder and the buyer's earnest money deposit and contract are submitted to the escrow holder.

The escrow is the process of having a neutral party manage the exchange of money for real property. The escrow holder is known as an escrow or settlement officer or agent. The buyer deposits funds and the seller deposits a deed with the escrow holder along with all of the other documents required to remove all "contingencies" (conditions and approvals) in the purchase agreement prior to closing.

From this point, the escrow holder will follow the mutual written instructions of the buyer and seller, maintaining a neutral stance to ensure that neither party has an unfair advantage over the other. The escrow holder also follows the instructions of the Buyer's new lender, the seller's existing lender, and both parties' agents. The escrow holder ensures the transparency of the transaction, while carefully maintaining the privacy of the consumers.

The Escrow Process

WHAT IS AN ESCROW?

HOW IS AN ESCROW OPENED?

AZ Sellers Guide | 12

Set separate appointments allowing the buyer and seller to sign documents and deposit funds

Request funds from buyer and buyer’s new lender

When all funds are deposited and conditions met, record documents with the County Recorder to transfer the real property to the buyer

After recording is confirmed, close escrow and disburse funds, including proceeds, loan payoffs, tax payments, and more

commitment and begin the process of working with you and the title officer to eliminate the title exceptions the buyer and the buyer’s new lender are not willing to take subject to. This includes ordering a payoff demand from your existing lender.

AZ Sellers Guide | 13

Open escrow and deposit good faith funds into an escrow account

Review documents and ensure all conditions are fulfilled and certain legal requirements are met

Prepare and send final documents to all parties

Coordinate with the buyer’s lender on the preparation of the Closing Disclosure (CD)

Prorate fees, such as real property taxes, per the contract and prepare the settlement statement

Conduct a title search to determine the ownership and title status of the real Reviewpropertythetitle

Your Escrow Professional May:

Prior to the development of the title industry in the late 1800s, a home-buyer received a grantor’s warranty, attorney’s title opinion, or abstractor’s certificate as assurance of home ownership. The buyer relied on the financial integrity of the grantor, attorney, or abstractor for protection. Today, home-buyers look primarily to title insurance to provide this protection. Title insurance companies are regulated by state statute. They are required to post financial guarantees to ensure that any claims will be paid in a timely fashion. They also must maintain their own “title plants” which house duplicates of recorded deeds, mortgages, plats, and other pertinent county property Understandingrecords.

Title insurance insures buyers against the risk that they did not acquire marketable title from the seller. It is primarily designed to reduce risk or loss caused by defects in title from the past. A loan policy of title insurance protects the interest of the mortgage lender, while an owner’s policy protects the equity of you, the buyer, for as long as you or your heirs (in certain policies) own the real property.

WHAT IS TITLE INSURANCE?

Title Insurance

You pay for your owner’s title insurance policy only once, at the close of escrow. Who pays for the owner’s policy and loan policy varies depending on local customs.

WHEN IS THE PREMIUM DUE?

WHY IS TITLE INSURANCE NEEDED?

Title insurance provides coverage for certain losses due to defects in the title that, for the most part, occurred prior to your ownership. Title insurance protects against defects such as prior fraud or forgery that might go undetected until after closing and possibly jeopardize your ownership and investment.

AZ Sellers Guide | 14

The Title Industry & Title Insurance in Brief

4 Defective recording of any document

21 Post-policy prescriptive easement

c) violates an existing zoning law*

19

27 Plain language statements of policy coverage and restrictions

Compare First American’s Eagle Policy® for Owners EAGLE StandardALTAorCLTA

Protection from:

31 Insurance coverage for a lifetime

3 Forgery, fraud, duress in the chain of title

6 There is a lien on your title because there is:

32 Post-policy inflation coverage with automatic increase in value up to 150% over five years

10 Cannot use the land for a Single-Family Residence because the use violates a restriction in Schedule B or a zoning ordinance

18 Lack of vehicular and pedestrian access Map not consistent with legal description

b) a judgement, tax, or special assessment

20 Post-policy adverse possession

* Deductible and maximum limits apply. Not available to investors on 1- to 4-unit residential properties. Coverage may vary based on an individual policy.

12

15

17

23 Violation of building setback regulations

25 Pays rent for substitute land or facilities Rights under unrecorded leases

a) a deed of trust

28 Compliance with Subdivision Map Act

30 Added ownership coverage leads to enhanced marketability

As with any insurance contract, the insuring provisions express the coverage afforded by the title insurance policy and there are exceptions, exclusions and conditions to coverage that limit or narrow the coverage afforded by the policy. Also, some cov erage may not be available in a particular area or transaction due to legal, regulatory, or underwriting considerations. Please contact a First American representative for further information. The services described above are typical basic services. The services provided to you may be different due to the specifics of your transaction or the location of the real property involved.

11 Unrecorded lien by a homeowners association Unrecorded easements Building permit violations*

5 There are restrictive covenants

9 Forced removal of a structure because it:

b) violates a restriction in Schedule B

16 Post-policy encroachment Post-policy damage from extraction of minerals or water

8 Mechanics lien

c) a charge by a homeowner’s association

24 Discriminatory covenants Other benefits:

13

7 Title is unmarketable

14 Restrictive covenant violations Post-policy forgery

1 Someone else owns an interest in your title

AZ Sellers Guide | 15

26

Compare First American’s Eagle Policy® for Owners EAGLE StandardALTAorCLTA

2 A document is not properly signed

29 Coverage for boundary wall or fence encroachment*

a) extends on another property and/or easement

33 Post-policy Living Trust coverage

22 Covenant violation resulting in your title reverting to a previous owner

One escrow transaction could involve more than 20 individuals, including real estate agents, buyers, sellers, attorneys, escrow officer, escrow technician, title officer, loan officer, loan processor, loan underwriter, home inspector, termite inspector, insurance agent, home warranty representative, contractor, roofer, plumber, pool service, and so on. And often, one transaction depends on another.

Consider This

When you consider the number of people involved, you can imagine the opportunities for delays and mishaps. Your experienced escrow team can’t prevent unforeseen problems from arising; however, they can help smooth out the process.

AZ Sellers Guide | 16

WHAT HAPPENS NEXT?

Closing Your Escrow

*For purposes of the Closing Disclosure“business day” is defined as every day except Sundays and Federal legal holidays.

The escrow holder will contact you or your agent to schedule a closing or signing appointment. In some states, this is the "close of escrow." In some others, the close of escrow is either the day the documents record or that funds are disbursed. Ask your escrow holder if you would like clarification about your state's laws.

The escrow holder is obligated by law to have the designated amount of money before releasing any funds. If you have questions or foresee a problem, let your escrow holder know immediately.

THE CLOSING OR SIGNING APPOINTMENT

You will need valid identification with your photo I.D. on it when you sign documents that need to be notarized (such as a deed). A driver's license is preferred. You will also be asked to provide your social security number for tax reporting purposes, and a forwarding address.

If the buyer is obtaining a new loan, the buyer’s signed loan documents will be returned to the lender for review. The escrow holder will ensure that all contract conditions have been met and will ask the lender to "fund the loan."

If the loan documents are satisfactory, the lender will send funds directly to the escrow holder. When the loan funds are received, the escrow holder will verify that all necessary funds are in. Escrow funds will be disbursed to the seller and other appropriate payees. Then, the REALTOR® will present the keys to the property to the buyer.

DON'T FORGET YOUR IDENTIFICATION

Once the loan is approved and all invoices and paperwork have been provided, the lender and escrow officer will collaborate on the preparation of the Closing Disclosure (CD). In order to close on time, all paperwork and invoices should be submitted at least 10 days prior to the expected close of escrow date. The borrower must receive the CD at least three days* prior to consummation of the loan (typically the signing date). The escrow officer will also prepare an estimated settlement statement and inform the buyer of the balance of the down payment and closing costs needed to close escrow.

AZ Sellers Guide | 17

You will have a chance to review the settlement statement and supporting documentation. This is your opportunity to ask questions and clarify terms. You should review the settlement statement carefully and report discrepancies to the escrow officer. This includes any payments that may have been missed. You are responsible for all charges incurred even if overlooked by the escrow holder, so it's better to bring these to their attention before closing.

THE CLOSING DISCLOSURE

Change of address. Visit USPS for change of address form.

Seek employer benefits. If your move is work-related, your employer may provide funding for moving expenses. Your human resources rep should have information on this policy.

Bank accounts Notify bank of address change. Make sure to have a money order for paying the moving company if you are transferring or closing accounts.

Planning your move

Note food inventory levels Check your cupboards, refrigerator and freezer to use up as much of your perishable food as possible.

Service small engines for your move by extracting gas and oil from the machines. This will reduce the chance to catch fire during your move.

Service automobiles If automobiles will be driven long distances, you’ll want to have them serviced for a trouble-free drive.

MOVING

. Once the house is empty, check the entire house (closets, the attic, basement, etc) to ensure no items are left or no home issues exist.

ReviewDAY:thehouse

Protect jewelry and valuables. Transfer jewelry and valuables to safety deposit box so they can not be lost or stolen during your move.

Plan your itinerary. Make plans to spend the entire day at the house or at least until the movers are on their way. Someone will need to be around to make decisions. Make plans for kids and pets to be at the sitters for the day.

Create an inventory sheet of items to move.

Contact utility companies Set utility turnoff date, seek refunds and deposits and notify them of your new address.

Discard unnecessary items Moving is a great time for ridding yourself of unnecessary items. Have a yard sale or donate unnecessary items to charity.

Cancel services. Notify any remaining service providers (newspapers, lawn services, etc) of your move.

AZ Sellers Guide | 18

Borrowed and rented items. Return items which you may have borrowed or rented. Collect items borrowed to others.

ONE WEEK BEFORE:

Vacate your home. Make sure utilities are off, doors and windows are locked and notify your real estate agent you’ve left the property.

Double check with your mover. Make sure your mover has the new address and your contact information should they have any questions during your move.

Request moving quotes Solicit moving quotes from as many moving companies and movers as possible. There can be a large difference between rates and services within moving companies.

SIX WEEKS BEFORE:

FOUR WEEKS BEFORE:

Research moving options You’ll need to decide if yours is a do-it-yourself move or if you’ll be using a moving company.

Contact insurance companies. (Life, Health, Fire, Auto) You’ll need to contact your insurance agent to cancel/transfer your insurance policy. Do not cancel your insurance policy until you have and closed escrow on the sale.

Obtain your medical records. Contact your doctors, physicians, dentists and other medical specialists who may currently be retaining any of your family’s medical records. obtain these records or make plans for them to be delivered to your new medical facilities.

Scan your furniture. Check furniture for scratches and dents before so you can compare notes with your mover on moving day.

Changing Schools. If changing schools, contact new school for registration process.

Travel items. Set aside items you’ll need while traveling and those needed until your new home is established. Make sure these are not packed in the moving truck!

Prepare Floor Plan. Prepare floor plan for your new home. This will help avoid confusion for you and your movers.

Start packing. Begin packing for your new location.

Sign the bill of lading. Once your satisfied with the mover’s packing your items into the truck, sign the bill of lading. If possible, accompany your mover while the moving truck is being weighed.

Packing materials. Gather moving boxes and packing materials for your move.

AZ Sellers Guide | 19

Your Notes:

AZ Sellers Guide | 20

Your Notes:

AZ Sellers Guide | 21

AZ Sellers Guide | 22

1 SUN CITY WES T 13940623.299.3644W.Meeker Blvd., #119 Sun City West, AZ 85375

14 GILBERT SAN TAN 1528480.777.0614E.Williams Field Rd., #101 Gilbert, AZ 85295

First American Title Branch Locator

4 THE LEGENDS 20241623.537.1608N.67th Ave , #A-2 Glendale, AZ 85308

NE corner of Tom Darlington/ Carefree Dr.

16 RED MOUNTAIN 1135480.534.3599N.Recker Rd., #103 Mesa, AZ 85205

E side 67th Ave/N of 101

N of Meeker Blvd

1 4 3 2 6 12 10 5 8 7 11 9 CRISMON BUTTESIGNAL GOLDFIELD OLDWESTHWY SKINGSRANCH 14 17 15 13 16 ArizonaCentral

N of Baseline / W of Stapley

S of Bell/E side of 83rd Ave

W of Scottsdale Road, S side of Greenway

SW Corner Chandler Blvd./ Dobson Rd.

N of Shea, E side of Tatum

SE corner of Pima/Legacy

12 AHWATUKEE 4435480.753.4424E.Chandler Blvd , #100 Phoenix, AZ 85048

8 CAREFREE 7202480.575.6609E.Carefree Dr , Bldg 1, #1 Carefree, AZ 85377

15 MESA 1630480.401.3738S.Stapley Dr., #123 Mesa, AZ 85204

SE corner of Recker & Brown

NE corner Daisy Mtn Dr/ Gavilan Peak Pkwy

W of R.H. Johnson

2 GOODYEAR 1626623.936.8001N.Litchfield Rd. Ste. #170 Goodyear, AZ 85395

6 BILTMORE 3200602.954.3644ECamelback Rd., #123 Phoenix, AZ 85018

10 SCOTTSDALE FORUM 6263480.551.0480N.Scottsdale Rd., #110 Scottsdale, AZ 85250

NE Corner of Camelback/32nd Street

NW corner of McDowell & Litchfield

13 CHANDLER PORTICO 2121480.777.0051W.Chandler Blvd., #215 Chandler, AZ 85224

5 ANTHEM 39508623.551.3265N.Daisy Mountain Dr., #128 Anthem, AZ 85086

E Side Scottsdale/S of Lincoln

11 DC CROSSING 18291480.563.9034N.Pima Rd , #145 Scottsdale, AZ 85255

7 TATUM RIDGE 480.515 4369 11211 N Tatum Blvd, #A150 Phoenix, AZ 85028

9 KIERLAND COMMONS 14648480.948.6488NScottsdale Rd., Ste. #100 Scottsdale, AZ 85254

SW corner Chandler/45th St.

NW corner of Williams Field Rd./ Val Vista Rd.

17 GOLD CANYON 6877480.288.0883SouthKings Ranch Rd., #5 Gold Canyon, AZ 85118 E of South60/Side Kings Ranch Rd.

3 ARROWHEAD 16165623.487.0404N.83rd Ave , #100 Peoria, AZ 85382

9 ORO VALLEY/ORACLE 520.229.9194 | 520.297.2576 Fax 520.229.9210 | 520.742.5866 8500 N. Oracle Rd., Ste 100 Oro Valley, AZ 85704

3 CAMBRIC 520.577.8707 | Fax 520.529.5034 1840 E. River Rd., Ste. 200 Tucson, AZ 85718

4 CASA GRANDE 520.426.4600 | Fax 520.426.4699 421 E. Cottonwood Ln. Casa Grande, AZ 85122

7 GREEN VALLEY 520.625.1095 | Fax 520.958.9663 190 W. Continental Rd., Ste. 226 Green Valley, AZ 85622

10 RITA ROAD 520.618.7790 | Fax 520.901.1720 10222 East Rita Rd., Ste. 190 Tucson, AZ 85747

11 RIVER 520.529.1944 | Fax 520.615.2945 1650 E. River Rd., Ste. 105 Tucson, AZ 85718

12 SKYLINE 520.529.0506 | Fax 520.529.8998 2890 E. Skyline Dr., Ste. 200 Tucson, AZ 85718

2 BROADWAY 520.747.1644 | Fax 520.747.1403 3777 E. Broadway Blvd., Ste. 220 Tucson, AZ 85716

1 MAIN OFFICE 520.885.1600 | Fax 520.885.2309 6390 E. Tanque Verde Rd. Tucson, AZ 85715

5 CASAS ADOBES 520.575.1900 | Fax 520.432.0168 6760 N. Oracle Rd., Ste. 100B Tucson, AZ 85704

6 FOOTHILLS 520.299.4606 | Fax 520.577.6993 6262 N Swan Road, Suite 205 Tucson, AZ 85718

8 ORO VALLEY/LA CANADA 520.877.9200 | Fax 520.202.6348 11165 N. La Canada Dr., Ste. 143 Oro Valley, AZ 85737

13 TANQUE VERDE 520.202.2626 | Fax 520.495.6151 7479 E. Tanque Verde Tucson, AZ 85715

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Pima Mine Rd WSilverbellRdS E Edw n Rd BIA34 SGuildRd 80 NKINNEYRD SPICACHOHWYE GREENE RESERVOIR RD SSUNLANDGINRD W BATTAGLIA DR AZ-84 E BAUMGARTNER RD SSUNSHINEBLVD SNANDARIORDNANWAYRD E HARMON RD W VALENCIA RD E RODEO RD W MOORE RD W INA RD ESN1TAV E SUNRISE DR E SNYDER RDNSILVERBELLRD TRSNOLDIERLE RIVER RDE PRINCE RD E SPEEDWAY BLVD SFREEMANRDE 22ND ST E 22ND ST W IRV NGTON RD SNOGALESHWY W VALENC A RDSMISSIONRDWSPEEDWAY BLVD SOLDSPANISHTRL W NARANJA DR W TW N PEAKS RD W P CTURE ROCKS RD W MANVILLE RD SKINNEYRD W MILE WIDE RD E SAHUAR TA RD W HARMON RD W MCCARTNEY RD NTRICORD OSSANDARRD PARK LINK DR GUOSHHTONRD ADDR E MART N RD STHORNTONRD W HELMET PEAK RD SCHUICHURD WAJOHWY RNASNWD RDKOLBS SHOUGHTONRD W TANGER NE RD E GRANT RD SHOUGHTONRD NPINALAVE 95 WAJOHWY E VALENCIA RD NORACLERD I10 I-19 I8 77 77 79 77 77 87 86 86 387 287 86 10 19 8 10 10 10 La Palma Chuichu Arizona City Corona de Tucson AdobesCasas Catalina OracleDudleyvilleGrandeCasa Picture Rocks Three Points VailSummit TanqueVerde Eloy SahuaritaTucson Cactus Forest Picacho Red Rock Saddlebrooke Marana Oro Valley HaivanaNakya Rillito SummerhavenWillow Canyon Randolph Toltec Oracle Junction Cortaro Schuchk Littletown 2 4 385 9 10 11 13 12 6 1 AIRPORTINT'LTUCSON Air Force WSilverbellRd SSantaRitaRd NMtLemmon Hwy W Avra Valley Rd guirreRd dRkLNucet dRWNenzNWatermanMountainRd RdAnwayN W El Tiro Rd NTricoRd W Tucke Rd W Rudas Rd W Manv e Rd SSanJoaquinRdWBopp Rd W Snyder H RddRlSMarsear W Park Rd W Hermans RdW He mans Rd W Guy St W Bush Rd SGarveyRd eaCNlRnconado SWmoRd SShawRd SSierritaMountainRd SKobRdW TwinButtes Rd W Mcgee Ranch Rd BNearCanyonRdW E Cam no De Cerro E Fairmount St SSwanRd NFrontageRd W Emigh Rd W Fort Lowel Rd dSPNumptationR NNTricoRdTcoRd W Baya d Rd dRSSandaro N Dove Mountain Blvd SHelvetiaRd WAnamax M ne Rd dRhRiGWacaanc Road424 ed Top Rd W Ruby S ar D WBritten RanchRd W Pima Mine Rd S Mcgee RanchRd 80 NKINNEYRDSNANDARIORDNANWAYRD W VALENC A RD W MOORE RD W INA RD ESN1TAV E SUNR SE DR E SNYDER RDNSILVERBELLRD TRSNOLDIERLE RIVER RDE PRINCE RD E SPEEDWAY BLVD SFREEMANRDE 22ND ST E 22ND ST W IRV NGTON RD SNOGALESHWY W VALENCIA RDSMISSIONRDWSPEEDWAY BLVD SOLDSPANISHTRL W NARANJA DR W TW N PEAKS RD W P CTURE ROCKS RD W MANVILLE RD SKINNEYRD W MILE WIDE RD E SAHUARITA RD NTRICORD OSSANDARIRD SOLDNOGALESHWY GUOSHHTONRD ADCSLAANADRW HELMET PEAK RD WAJOHWY RNASNWD RDKOLBS SHOUGHTONRD W TANGERINE RD E GRANT RD SHOUGHTONRD 95 WAJOHWY E VALENCIA RD NORACLERD I-19 77 77 86 86 286 19 10 10 Corona de Tucson AdobesCasas Catalina Green Valley Picture Rocks Three Points VailSummit TanqueVerde SahuaritaTucson Marana Oro Valley Rillito SummerhavenWillow Canyon Cortaro Continental Littletown 2 3758 9 10 11 13 12 6 1 AZ Sellers Guide | 23

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